Auto Insurance in Boca Raton, FL

Driving brings numerous risks that even the safest drivers can’t avoid entirely. Fortunately, having appropriate auto insurance can help you mitigate some of the financial stress of being involved in a car accident.

Top Coverage Insurance Agency in Boca Raton, Florida, to build an auto insurance policy to help provide financial protection.

Auto Insurance in Boca Raton, FL
Auto Insurance in Boca Raton, FL

Why Auto Insurance Is Important

Florida law requires drivers to purchase a minimum of auto liability coverage. However, if the policy’s limits don’t cover your entire legal liability for third-party property damage and bodily injury, you may be personally liable for the remainder of those costs.

There’s a lot a stake when you get behind the wheel of a car. Working closely with your agent to evaluate your auto insurance options and tailor a policy to meet your potential needs is crucial.

What Auto Insurance Do I Need?

Generally, an auto insurance policy should include the minimum liability insurance required by Florida. If you have an auto loan or lease, your lienholder requires full coverage insurance, which typically includes comprehensive and collision coverage. Your lienholder may also require that you purchase gap coverage.

Liability coverage

Liability coverage

Helps cover your legal liability for third-party damages if you are at fault for an accident. Your policy may include coverage for the following:

  • Medical expenses
  • Funeral costs
  • Rehabilitation
  • Lost income
  • Repairing or replacing damaged property
Personal injury protection (PIP) coverage

Personal injury protection (PIP) coverage

Helps pay accident-related medical bills for you and your passengers, regardless of who was at fault. Your policy may help cover the following:

  • Rehabilitation
  • Lost income
  • Medical expenses
  • Funeral expenses
  • In-home assistance
Collision coverage

Collision coverage

Helps pay for repairing or replacing your vehicle if it is damaged in an accident involving another vehicle or object.

Comprehensive coverage

Comprehensive coverage

Helps pay for the repair or replacement of your vehicle if it’s damaged in a noncollision-related accident or incident such as a fire, severe weather event or criminal activity.

Uninsured/underinsured motorist coverage

Uninsured/underinsured motorist coverage

Helps pay for damage to your property if the at-fault party doesn’t have adequate liability coverage.

How Does Auto Insurance Work?

Auto insurance helps provide financial protection as detailed in the policy declarations. This contract with your insurance company requires regular premium payments as determined by the company.

Your policy may include additional endorsements and coverage. Reach out to your agent to learn about additions to your auto policy that may help you avoid the financial stress of a breakdown or accident.

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